# Kotak Urbane Visa Gold Credit Card

**Best for:** Frequent shoppers looking for rewards

**Think twice if:** Rarely spends enough to waive fees

**Key strengths:** No joining fee for new users · 3 reward points per Rs.100 spent · Annual fee waived with Rs.15000 spending

## Fees

- **Joining Fee:** No Joining Fees
- **Annual Fee:** Annual Fee of Rs.199
- **Fee Waiver:** First Year Fee Waived Upon Spending Rs.15000
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 3 Reward Points per Rs.100

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